# Privacy Policy for Savvy
**Effective Date:** May 23, 2026
**Developer:** RabApps Dev
**Contact:** rabapps.dev@gmail.com
**App Name:** Savvy - Smart Savings Tracker
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## 1. Overview
Savvy is a savings goal tracking app that helps users set and achieve their financial goals. This Privacy Policy explains how we handle your information.
**Key Principle:** All your savings data is stored **LOCALLY** on your device only. We do not collect, upload, or share your personal financial information.
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## 2. Information We Collect
### 2.1 Information You Provide (Stored Locally)
| Data Type | Description | Storage Location |
|-----------|-------------|------------------|
| Savings Goals | Goal name, target amount, target date, frequency, icon | Your device only |
| Savings History | Records of deposits (amount, date, time) | Your device only |
| Custom Images | Photos selected from gallery as goal icons | Your device only |
| App Preferences | Currency setting, theme preference, hide card setting | Your device only |
### 2.2 Automatically Collected (Ad Serving Only)
| Data Type | Purpose | Collected By |
|-----------|---------|--------------|
| Advertising ID | To serve relevant ads | Google Mobile Ads |
| Device Information | Ad performance | Google Mobile Ads |
### 2.3 What We DO NOT Collect
- ❌ Personal information (name, email, address, phone number)
- ❌ Login credentials or passwords
- ❌ Device ID
- ❌ Location data
- ❌ Financial account information
- ❌ Contact list
- ❌ Camera photos (we only access existing gallery photos)
- ❌ Any data sent to external servers
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## 3. How We Use Your Information
| Purpose | Data Used |
|---------|-----------|
| Display and track your savings goals | Goals, savings history (local only) |
| Remember your preferences | Currency, theme settings (local only) |
| Serve advertisements | Advertising ID (via Google Mobile Ads) |
| Process in-app purchases | Purchase details (via Google Play) |
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## 4. Data Storage
### 4.1 Local Storage Only
- **All your savings data is stored exclusively on your device.**
- We use `SharedPreferences` for local storage.
- No external servers, databases, or cloud storage are used.
### 4.2 Permissions
| Permission | Purpose | When Used |
|------------|---------|-----------|
| `INTERNET` | To load ads | Only when ads are shown |
| `READ_EXTERNAL_STORAGE` | To select photos for goal icons | Only when you pick an image from gallery |
| `WRITE_EXTERNAL_STORAGE` | To save cropped images | Only when you save a custom icon |
**Note:** Our app does NOT use the camera. You can only select existing photos from your device gallery.
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## 5. Third-Party Services
### 5.1 Google Mobile Ads
We use Google Mobile Ads to display advertisements. Google may collect:
- Advertising ID (can be reset in device settings)
- Device information (model, OS version)
- IP address (for ad delivery)
**Learn more:** [Google Privacy & Terms](https://policies.google.com/technologies/ads)
**Opt out of ad personalization:**
Go to device Settings → Google → Ads → Opt out of Ads Personalization
### 5.2 Google Play Billing
We use Google Play Billing for in-app purchases (Remove Ads / Premium). Google processes all payments. We do not receive or store your payment information.
### 5.3 Third-Party Libraries
| Library | Version | Purpose | Data Collected |
|---------|---------|---------|----------------|
| google_mobile_ads | 5.0.0 | Display ads | Advertising ID, device info |
| in_app_purchase | 3.1.0 | Process purchases | Purchase info (via Google Play) |
| shared_preferences | 2.3.4 | Local storage | NONE (local only) |
| image_picker | 1.1.2 | Select photos from gallery | NONE (user chooses, no collection) |
| image_cropper | 8.0.2 | Crop images | NONE (local only) |
| share_plus | 10.1.4 | Share app | NONE |
| url_launcher | 6.3.1 | Open links/email | NONE |
| provider | 6.1.2 | Theme management | NONE |
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## 6. In-App Purchases
Our app offers:
| Purchase | Description |
|----------|-------------|
| **Remove Ads** | Removes all advertisements permanently |
| **Premium** | Unlimited goals + no ads |
All purchases are processed by Google Play. We do not store or have access to your payment information.
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## 7. Data Deletion
You can delete all your data at any time:
1. Open Savvy app
2. Go to **Settings** (drawer menu)
3. Tap **Delete All Data**
4. Confirm deletion
**Alternatively:** Uninstalling the app will remove all locally stored data.
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## 8. Children's Privacy
- Our app does not knowingly collect personal information from children under 13.
- We do not require users to create accounts or provide personal information.
- Parents/guardians can delete all data at any time via Settings.
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## 9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted in the app and the effective date will be updated.
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## 10. Your Rights
Since all data is stored locally, you have full control over your information.
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## 11. Contact Us
**Email:** rabapps.dev@gmail.com
**Developer:** RabApps Dev
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## 12. Consent
By using Savvy, you consent to this Privacy Policy.
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*Last Updated: May 23, 2026*